{"id":69,"date":"2026-07-02T13:50:43","date_gmt":"2026-07-02T13:50:43","guid":{"rendered":"https:\/\/finency.com\/ro\/exim-banca-romaneasca-smart-shopping-card-recenzie\/"},"modified":"2026-07-02T13:50:43","modified_gmt":"2026-07-02T13:50:43","slug":"exim-banca-romaneasca-smart-shopping-card-recenzie","status":"publish","type":"post","link":"https:\/\/finency.com\/ro\/exim-banca-romaneasca-smart-shopping-card-recenzie\/","title":{"rendered":"Smart Shopping Card Exim: p\u0103reri 2026, merit\u0103?"},"content":{"rendered":"<p>Smart Shopping Card de la Exim Banca Rom\u00e2neasc\u0103, cunoscut \u0219i ca \u201eCardul De\u0219tept&#8221;, este un <strong>card de cump\u0103r\u0103turi cu rate f\u0103r\u0103 dob\u00e2nd\u0103<\/strong> care se remarc\u0103 prin cea mai lung\u0103 perioad\u0103 de gra\u021bie de pe pia\u021b\u0103 \u0219i prin posibilitatea de a pl\u0103ti chiar \u0219i taxele \u0219i impozitele \u00een rate. Este un card Mastercard g\u00e2ndit pentru cheltuielile de zi cu zi, cu e\u0219alonare flexibil\u0103 \u0219i beneficii de tip cashback prin programele Mastercard.<\/p>\n<p>\u00cen aceast\u0103 recenzie analiz\u0103m ratele f\u0103r\u0103 dob\u00e2nd\u0103, perioada de gra\u021bie, comisionul anual \u0219i beneficiile, ca s\u0103 vezi dac\u0103 acest card de cump\u0103r\u0103turi cu rate merit\u0103 un loc \u00een portofel \u00een 2026.<\/p>\n<div class=\"fp-rating\"><span class=\"fp-stars\" style=\"--rating: 3.9;\" aria-label=\"3.9\/5\"><\/span><span class=\"fp-rating-value\">3.9 \/ 5<\/span><\/div>\n<table class=\"fp-table\">\n<tbody>\n<tr>\n<th>Comision anual<\/th>\n<td>Zero pe via\u021b\u0103 dac\u0103 folose\u0219ti cardul pentru cump\u0103r\u0103turi de min. 18.000 lei\/an<\/td>\n<\/tr>\n<tr>\n<th>Rate f\u0103r\u0103 dob\u00e2nd\u0103<\/th>\n<td>3, 6 sau 12 rate la tranzac\u021bii de min. 200 lei; 24 de rate cu 1%\/lun\u0103<\/td>\n<\/tr>\n<tr>\n<th>Perioad\u0103 de gra\u021bie<\/th>\n<td>P\u00e2n\u0103 la 61 de zile<\/td>\n<\/tr>\n<tr>\n<th>Dob\u00e2nd\u0103 la rate<\/th>\n<td>0% pe planurile standard de 3-12 rate (orientativ, 2026)<\/td>\n<\/tr>\n<tr>\n<th>Beneficii extra<\/th>\n<td>Cashback Mastercard Tuesday, asigurare gratuit\u0103 a cump\u0103r\u0103turilor<\/td>\n<\/tr>\n<tr>\n<th>Pentru cine<\/th>\n<td>Cump\u0103r\u0103tori care vor rate lungi \u0219i gra\u021bie maxim\u0103<\/td>\n<\/tr>\n<tr>\n<th>Re\u021bea<\/th>\n<td>Mastercard<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Rate f\u0103r\u0103 dob\u00e2nd\u0103 \u0219i programul Rate Smart<\/h2>\n<p>Inima produsului este programul Rate Smart: pentru orice cump\u0103r\u0103tur\u0103 de minimum 200 de lei, la orice comerciant din Rom\u00e2nia sau din str\u0103in\u0103tate, po\u021bi alege 3, 6 sau 12 rate f\u0103r\u0103 dob\u00e2nd\u0103 \u0219i f\u0103r\u0103 comision de activare. Num\u0103rul de rate cre\u0219te cu valoarea tranzac\u021biei, ajung\u00e2nd la 12 rate la achizi\u021biile de peste 2.000 de lei. Pentru sume mari, exist\u0103 \u0219i un plan extins de 24 de rate, cu un cost lunar de 1%.<\/p>\n<p>Un element aparte al acestui card de cump\u0103r\u0103turi cu rate este posibilitatea de a pl\u0103ti taxele \u0219i impozitele locale \u00een rate f\u0103r\u0103 dob\u00e2nd\u0103, plus refinan\u021barea unor credite existente prin card, ceea ce \u00eel transform\u0103 \u00eentr-un instrument versatil de gestionare a cheltuielilor.<\/p>\n<h2>Perioad\u0103 de gra\u021bie \u0219i comisioane<\/h2>\n<p>Perioada de gra\u021bie de p\u00e2n\u0103 la 61 de zile este cea mai generoas\u0103 din pia\u021b\u0103. Dac\u0103 rambursezi integral suma cheltuit\u0103 la comercian\u021bi (inclusiv ratele) \u00een acest interval, nu pl\u0103te\u0219ti dob\u00e2nd\u0103. Aceasta ofer\u0103 un tampon confortabil \u00eentre cump\u0103r\u0103tur\u0103 \u0219i scaden\u021b\u0103.<\/p>\n<h3>Comision anual eliminabil<\/h3>\n<p>Comisionul de administrare poate fi zero pe via\u021b\u0103, cu condi\u021bia s\u0103 folose\u0219ti cardul pentru cump\u0103r\u0103turi de cel pu\u021bin 18.000 de lei \u00een anul anterior. Pentru un utilizator activ, cardul devine practic gratuit. Ca la orice card, retragerile de numerar \u0219i transferurile r\u0103m\u00e2n costisitoare \u0219i nu beneficiaz\u0103 de gra\u021bie.<\/p>\n<h2>Beneficii care ies \u00een eviden\u021b\u0103<\/h2>\n<p>Pe l\u00e2ng\u0103 rate, cardul ofer\u0103 asigurare gratuit\u0103 a cump\u0103r\u0103turilor efectuate online \u0219i \u00een magazine fizice, timp de 30 de zile de la achizi\u021bie, plus acces gratuit la extrase prin e-mail, internet \u0219i mobile banking. Prin programul Mastercard Tuesday po\u021bi primi cashback (de exemplu, 10% p\u00e2n\u0103 la un plafon), iar la variantele superioare exist\u0103 acces \u00een saloane de aeroport prin Priority Pass.<\/p>\n<div class=\"fp-procons\">\n<div class=\"fp-pros\">\n<div class=\"fp-pros-title\">Avantaje<\/div>\n<ul>\n<li>Cea mai lung\u0103 perioad\u0103 de gra\u021bie din pia\u021b\u0103, p\u00e2n\u0103 la 61 de zile<\/li>\n<li>3, 6 sau 12 rate f\u0103r\u0103 dob\u00e2nd\u0103 de la 200 lei<\/li>\n<li>Comision anual zero pe via\u021b\u0103 la utilizare activ\u0103<\/li>\n<li>Plata taxelor \u0219i impozitelor \u00een rate f\u0103r\u0103 dob\u00e2nd\u0103<\/li>\n<li>Asigurare gratuit\u0103 a cump\u0103r\u0103turilor<\/li>\n<\/ul>\n<\/div>\n<div class=\"fp-cons\">\n<div class=\"fp-cons-title\">Dezavantaje<\/div>\n<ul>\n<li>Planul de 24 de rate are cost lunar de 1%<\/li>\n<li>Comisionul zero cere un rulaj minim anual<\/li>\n<li>Exim are o re\u021bea mai mic\u0103 de sucursale<\/li>\n<li>Retragerile de numerar r\u0103m\u00e2n scumpe<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"fp-callout fp-callout--info\">\n<div><strong>Sfat Finency:<\/strong> ca s\u0103 evi\u021bi complet comisionul de administrare, planific\u0103-\u021bi cump\u0103r\u0103turile astfel \u00eenc\u00e2t s\u0103 dep\u0103\u0219e\u0219ti pragul de 18.000 lei pe an. Alege planurile de 3-12 rate f\u0103r\u0103 dob\u00e2nd\u0103 \u0219i evit\u0103 extinderea la 24 de rate, care aduce un cost lunar.<\/div>\n<\/div>\n<div class=\"fp-cta-wrap\"><a class=\"fp-cta\" href=\"https:\/\/www.eximbank.ro\/persoane-fizice\/carduri\/\" rel=\"sponsored nofollow noopener\">Vezi oferta la Exim Banca Rom\u00e2neasc\u0103<\/a><\/div>\n<h2>Cui i se potrive\u0219te<\/h2>\n<p>Smart Shopping Card este ideal pentru cump\u0103r\u0103torii care vor rate f\u0103r\u0103 dob\u00e2nd\u0103 flexibile, o perioad\u0103 de gra\u021bie maxim\u0103 \u0219i un card care poate deveni gratuit prin utilizare. Posibilitatea de a pl\u0103ti taxele \u0219i impozitele \u00een rate \u00eel face deosebit de util pentru gospod\u0103riile cu cheltuieli administrative recurente. Dac\u0103 vrei \u00eens\u0103 beneficii premium de c\u0103l\u0103torie sau cashback foarte generos, alte carduri pot fi mai potrivite.<\/p>\n<div class=\"fp-faq\">\n<details class=\"fp-faq-item\">\n<summary>C\u00e2te rate f\u0103r\u0103 dob\u00e2nd\u0103 pot alege?<\/summary>\n<div class=\"fp-faq-a\">La tranzac\u021bii de minimum 200 de lei po\u021bi alege 3, 6 sau 12 rate f\u0103r\u0103 dob\u00e2nd\u0103. Pentru sume mari exist\u0103 \u0219i un plan de 24 de rate, cu cost lunar de 1%.<\/div>\n<\/details>\n<details class=\"fp-faq-item\">\n<summary>C\u00e2t este perioada de gra\u021bie?<\/summary>\n<div class=\"fp-faq-a\">P\u00e2n\u0103 la 61 de zile, cea mai lung\u0103 din pia\u021b\u0103. Rambursezi integral \u00een acest interval \u0219i nu pl\u0103te\u0219ti dob\u00e2nd\u0103 la cump\u0103r\u0103turi.<\/div>\n<\/details>\n<details class=\"fp-faq-item\">\n<summary>Pot pl\u0103ti taxele \u0219i impozitele \u00een rate?<\/summary>\n<div class=\"fp-faq-a\">Da, cardul permite plata taxelor \u0219i impozitelor locale \u00een rate f\u0103r\u0103 dob\u00e2nd\u0103, un beneficiu rar \u00eent\u00e2lnit.<\/div>\n<\/details>\n<details class=\"fp-faq-item\">\n<summary>Cum evit comisionul anual?<\/summary>\n<div class=\"fp-faq-a\">Comisionul de administrare devine zero pe via\u021b\u0103 dac\u0103 faci cump\u0103r\u0103turi de cel pu\u021bin 18.000 de lei cu cardul \u00een anul anterior.<\/div>\n<\/details>\n<\/div>\n<h2>Verdict: merit\u0103 Smart Shopping Card de la Exim?<\/h2>\n<p>Smart Shopping Card este un card de cump\u0103r\u0103turi cu rate f\u0103r\u0103 dob\u00e2nd\u0103 foarte competitiv: gra\u021bie de p\u00e2n\u0103 la 61 de zile, planuri flexibile de rate, comision anual eliminabil \u0219i posibilitatea unic\u0103 de a pl\u0103ti taxele \u00een rate. Pentru un cump\u0103r\u0103tor activ care \u00ee\u0219i gestioneaz\u0103 atent ramburs\u0103rile, este unul dintre cele mai bune carduri de shopping din 2026. Verific\u0103 mereu condi\u021biile actualizate \u00eenainte de aplicare.<\/p>\n<p>Compar\u0103-l cu <a href=\"\/ro\/credit-europe-cardavantaj-recenzie\/\">CardAvantaj<\/a>, <a href=\"\/ro\/libra-internet-bank-enjoy-credit-recenzie\/\">Enjoy Credit de la Libra<\/a> \u0219i <a href=\"\/ro\/raiffeisen-card-de-cumparaturi-recenzie\/\">cardul de cump\u0103r\u0103turi Raiffeisen<\/a>, sau vezi toate <a href=\"\/ro\/category\/credit-cards\/\">cardurile de credit<\/a> recenzate. Pentru cheltuieli mai mari, ai \u0219i ghidul despre <a href=\"\/ro\/bcr-nevoi-personale-review\/\">creditul de nevoi personale BCR<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recenzie Smart Shopping Card Exim Banca Rom\u00e2neasc\u0103: 3-12 rate f\u0103r\u0103 dob\u00e2nd\u0103, perioad\u0103 de gra\u021bie p\u00e2n\u0103 la 61 de zile, comision anual zero \u0219i plata taxelor \u00een rate.<\/p>\n","protected":false},"author":1,"featured_media":70,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[11,69,25,51,10],"class_list":["post-69","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-de-cumparaturi","tag-exim-banca-romaneasca","tag-mastercard","tag-perioada-de-gratie","tag-rate-fara-dobanda"],"_links":{"self":[{"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/posts\/69","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/comments?post=69"}],"version-history":[{"count":0,"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/posts\/69\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/media\/70"}],"wp:attachment":[{"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/media?parent=69"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/categories?post=69"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finency.com\/ro\/wp-json\/wp\/v2\/tags?post=69"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}